Commercial Auto Insurance
Proof of coverage for contracts and compliance
Commercial auto certificates prove your vehicle liability coverage to clients, shippers, and regulatory agencies. Many businesses require specific coverage levels before you can work for them.
A Commercial Auto Certificate of Insurance shows your liability limits, covered vehicles (by schedule or symbol), and policy dates. Transportation businesses may need additional filings with state or federal agencies.
Understanding Certificates & Endorsements
Standard Auto Certificate
Shows your commercial auto liability limits, covered auto symbols, and policy period. Most common document requested by clients.
Additional Insured - Auto
Adds another party to your auto liability coverage. Less common than GL additional insured but sometimes required.
MCS-90 Endorsement
Federal filing required for interstate for-hire carriers. Guarantees minimum $750K-$5M coverage depending on cargo.
State Filings (BMC/Form E)
State-required filings for intrastate carriers, livery services, or other regulated operations.
Common Endorsements
Hired Auto Liability
Covers liability for vehicles you rent or borrow for business use.
Non-Owned Auto Liability
Covers liability when employees use their personal vehicles for business.
Motor Carrier Cargo Coverage
Covers cargo in your care, custody, and control while transporting.
Need help with your commercial auto insurance?
Our licensed agents can help you understand your coverage options and find the right policy for your business.